Eyelash Technician Insurance: Cost & Quotes From $25/mo

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You will want to invest in eyelash technician insurance. This will protect your business if a customer sustains injuries from a product you bought from the cosmetologist. Moreover, the landlord will ask for proof of insurance if you plan to work as a salon booth renter.  And if you offer microblading services, your eyelash technician insurance can cover medical treatments if the client sustains a cut during the session. 

This article will cover standard insurance policies you want to consider adding to your eyelash technician business insurance program. Keep reading until the end to see our reviews of some top insurers offering these policies.

General Liability Insurance for Eyelash Technicians

CoverWallet  NEXT (Best) Thimble  Hiscox The Hartford
Per occurrence limit  $1,000,000 $500,000/$1,000,000 $1,000,000/$2,000,000 $300,000/$2,000,000 $1,000,000
Aggregate limit  $2,000,000 $1,000,000/$2,000,000 $1,000,000/$2,000,000 $300,000/$2,000,000 $2,000,000
Products and completed operations aggregate limit  $2,000,000 $1,000,000 $1,000,000 $1,000,000 $1,000,000
Advertising injury coverage aggregate limit  $1,000,000 $1,000,000 $1,000,000 $1,000,000
$1,000,000
Tenant’s legal liability coverage limit  $100,000 $100,000 $5,000 $100,000 $100,000
Waiver of subrogation included? Yes No Included Can be included No
Hired/non-owned auto liability coverage included? Yes No Excluded Can be included No
Equipment breakdown floater included? No  Yes Yes Can be included Yes
Can you get a certificate of insurance online? Yes Yes Yes Yes Yes
Name additional insureds? Yes Yes Yes Yes Yes
Deductible $0 $0 $0 $0 $0


Your eyelash extension insurance policy will offer liability coverage for clients and the general public. You can add general liability insurance to protect your eyelash business against the costs of third-party liabilities. This policy helps you defend your business against personal injuries, property damage, and bodily injury claims.


Add-ons of General Liability Insurance for Eyelash Technicians

  • Tools and equipment–Adds protection for any tools you use in your eyelash shop

  • Excess liability–Extends your general liability policy’s existing eyelash technician coverage limits

Coverage Limits of General Liability Insurance for Eyelash Technicians

Insurance for eyelash extension business will typically have between $1 and $2 million in coverage for general liability insurance.


What is the Difference Between General Liability Insurance and Public Liability Insurance?

Public liability insurance for eyelash technicians is similar to general liability insurance but is narrower in scope. A general liability policy covers a range of third-party liabilities. Public liability insurance focuses on bodily injury and property damage and members of the public.


Professional Indemnity Insurance for Eyelash Technicians

CoverWallet  NEXT Thimble (Best) Hiscox The Hartford
Per occurrence limit  $1,000,000 $1,000,000 $1,000,000/$2,000,000 $1,000,000 $1,000,000
Aggregate limit  $2,000,000 $2,000,000 $1,000,000/$2,000,000 $1,000,000 $2,000,000
Name additional insureds? Yes Yes Yes Yes Yes
Waiver of subrogation included? Yes No Yes Can be included No
HIPAA coverage included? No No No No No
Sexual misconduct coverage included? No No No No Can be included
License defense coverage included? No No No No Can be included


Eyelash extension liability insurance can save your business from the costly lawsuit of a disgruntled client. One way to protect yourself from lawsuits is professional indemnity insurance. 

Professional indemnity covers your business when it makes a mistake or oversight that causes a customer financial loss. It also covers you in cases of negligence, scheduling mistakes, and many other professional business errors.


Add-Ons to Professional Indemnity Insurance for Eyelash Technicians

  • Prior act–Protects your eyelash extension business from any acts that happened before your professional indemnity policy became active

  • Media liability–Helps protect your business from the consequences of any published information over media platforms like social media or a blog

Coverage Limits of Professional Indemnity Insurance for Eyelash Technicians

Your eyelash technician’s professional indemnity coverage limit will be around $1 million.


How Much Do Eyelash Technicians Pay For Professional Indemnity Insurance?

The cost of your professional indemnity policy will vary based on the size of your business, the risk of your business, and other factors. The average eyelash technician business might pay $61 monthly for professional indemnity coverage.

Compare Cheap Eyelash Technician Insurance Quotes Online

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Commercial Property Insurance for Eyelash Technicians

CoverWallet NEXT (Best) Thimble Hiscox The Hartford
Building coverage limit (minimum) $50,000 $260,000 $25,000/$500,000 $25,000 $60,000
Contents coverage limit (minimum) $50,000 $22,000 $25,000/$500,000 $25,000 $60,000
Outdoor signs Excluded $2,500 Excluded Excluded Excluded
Accounts receivable  Excluded Excluded $5,000/10,000 Included Excluded
Money and securities Excluded $2,500 $1,000 Included Excluded
Lock and keys  Excluded $2,500 Excluded Excluded Excluded
Business interruption floater Excluded Included Included Included Excluded
Equipment breakdown floater Excluded Included Excluded Excluded Excluded
Inland marine insurance floater Excluded Excluded $10,000 Excluded Excluded
Employee dishonesty floater Excluded $5,000 $2,500 Included Excluded


Eyelash extension technician insurance will also need to protect your property damage costs. With commercial property coverage, you can insulate your business from the costs of damage to your business building and other commercial property.


Add-Ons to Commercial Property Insurance for Eyelash Technicians

  • Outdoor signs–This add-on includes signs you might use to advertise your eyelash business to your commercial property coverage

  • Earthquake protection–This insurance lets you include the typically excluded earthquake causes of property damage

Coverage Limits of Commercial Property Insurance for Eyelash Technicians

A standard commercial property coverage limit for eyelash technicians will be around $50,000 for the building and $50,000 for the covered business property.


How Much Does Commercial Property Insurance Cost For Eyelash Technician Businesses

Your eyelash extension insurance cost will be approximately $63 per month to cover property damage. However, this number will highly depend on the value of your property and how much coverage your policy needs.


Woman wearing an eyelash extension.


Business Owner’s Policy for Eyelash Technicians

CoverWallet Thimble (Best) NEXT  Hiscox The Hartford
General liability aggregate limit  $2,000,000 $2,000,000 $2,000,000 $300,000 $1,000,000/$2,000,000
Commercial property coverage limit  $50,000 $500,000 $260,000 $25,000 $75,000
Optional policies can be added? Yes Yes Yes Yes Yes
Name additional insureds for free? Yes Yes Yes Yes Yes
BOP discount? Yes Yes Yes Yes Yes


A business owner’s policy can be part of the best insurance for eyelash extensions businesses. It is one of the best policies because it combines general liability and commercial property insurance protection. Many policies include business interruption insurance protection also.


Situations to Use This Insurance Coverage

  • Your eyelash technician’s office gets vandalized with graffiti

  • Someone wanders into your business and slips on a wet floor

Add-Ons to Business Owner’s Policy for Eyelash Technicians

  • Cyber liability–Protects your eyelash shop from financial losses resulting from data breaches of your customers and cyber attacks

  • Workers comp–This policy protects your eyelash store workers from the costs of injuries, illnesses, and disabilities while on the job

Coverage Limits of Business Owner’s Policy for Eyelash Technicians

An eyelash technician BOP will cover $1 million in general liability and $20,000 and $50,000 in property damage.



Does a Business Owner’s Policy Cover My Business Vehicles?

Typically no. A typical business owner’s policy will exclude coverage to damage from your commercial vehicles. You will need a commercial auto insurance policy to protect your business from vehicle damage and liability costs.


Tools and Equipment Insurance for Eyelash Technicians

NEXT  Thimble Hiscox The Hartford
Aggregate limit $3,000/$10,000 $2,500/$5,000 $15,000/$25,000 $5,000-$10,000
Covers hired and borrowed equipment? $3,000/$10,000 $2,500/$5,000 No Yes
Miscellaneous equipment also covered? $5,000/$10,000 No Yes Yes
Offered as an endorsement to general liability insurance? Yes Yes Yes Yes
Deductible $500 $500 $0 $0


Tools and equipment is a policy for your eyelash extension business insurance that protects portable business equipment. It can protect your business equipment even when not used on your premises.


Add-Ons to Tools and Equipment Insurance for Eyelash Technicians

  • Flood damage–Helps protect eyelash tools that flood waters may damage

  • Equipment breakdown–Protects your eyelash equipment and other movable tools from breaks that result from internal forces

Coverage Limits of Tools and Equipment Insurance for Eyelash Technicians

Tools and equipment insurance for eyelash technicians limits will help you cover movable equipment between $5,000 and $20,000.


Does My Tools and Equipment Insurance Cover Intentional Destruction of Equipment By Employees?

No. If your employee causes intentional damage to tools or equipment, that will not be covered. You will need an employee dishonesty insurance policy to cover damage inflicted on your business by these employee acts.


Commercial Auto Insurance for Eyelash Technicians

Tailored insurance for eyelash technicians must cover your business vehicles. Commercial auto insurance allows you to protect vehicles your business owns when used for business purposes. The common coverages of commercial auto insurance are listed below.

  • Auto-liability–Takes care of third party medical costs if your commercial vehicle causes an accident

  • Collision–This coverage will protect your eyelash business vehicles from vehicle damage from road collisions

  • Comprehensive–Provides coverage for physical damage events besides road accidents

Add-Ons of Commercial Auto Insurance for Eyelash Technicians

  • Rental coverage–Helps reimburse your eyelash technicians business when you need to pay for a rental car because the one you usually use is out of commission

  • Underinsured/uninsured motorist–This add-on helps compensate for another motorist lacking sufficient coverage for reimbursing you for vehicle accidents they are at fault for

Coverage Limits of Commercial Auto Insurance for Eyelash Technicians

A typical commercial auto insurance coverage limit for eyelash technicians will allow you to get $500,000 or more in coverage.


Is Personal Auto Insurance Enough To Protect My Vehicles?

No. In some cases, personal auto insurance only covers personal uses of your vehicle or commutes to work. A personal auto insurance policy will not typically cover any actions your vehicles perform for business-related purposes.


Excess Liability Insurance for Eyelash Technicians 

Excess liability is an insurance that lets you fortify or extend the coverage of an underlying insurance policy you have already created.


Coverage Limits of Excess Liability Insurance for Eyelash Technicians

Excess liability insurance coverage limits will vary depending on the insurer’s financial strength. Some insurers allow you to purchase up to $25 million or more in excess liability.


What Situations Should I Consider Excess Liability Insurance?

You should consider excess liability insurance if you face frequent liability risks that drain your policy limits. For example, if your eyelash shop gets a lot of foot traffic, consider this policy since the odds of a catastrophic incident increase the more your business is exposed to the public.


Workers Compensation Insurance for Eyelash Technicians

You can purchase workers’ compensation to protect workers from costs related to injuries and illnesses they sustain while working. This policy pays medical benefits and helps your workers substitute lost income due to being out of commission from an injury.


Does Workers’ Compensation Include Employer’s Liability Insurance?

Yes. Most workers comp policies will protect you from employee lawsuits related to workplace injuries. This policy will protect you from attorney’s fees, court costs, and any legal judgments or out-of-court settlements.


Do I Buy Workers’ Compensation From a Private Insurer or the Government?

Most states allow you to buy workers’ compensation from a private insurer. However, some states are known as monopolistic states. These states require employers to buy coverage directly from the government. Ohio, Washington, North Dakota, and Wyoming are the four monopolistic states.

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Eyelash Technician Insurance Cost

Cost per Month Cost per Year Deductible
General liability insurance $30 $360 $0-$500
Professional liability insurance $50 $600 $1,000-$2,000
Commercial property insurance $72 $864 $1,000-$2,000
Business owner’s policy $81 $972 $1,500
Tools and equipment insurance $34 $408 $500-$1,000
Commercial auto insurance $42 $504 $500-$1,000
Workers compensation insurance $84 $1,008 $2,500-$5,000


The average eyelash technician insurance cost is $30 per month or $360 per year for a $1 million general liability policy. Some factors that affect premiums are claims history, business history, policy limits, deductibles, number of employees, location, and annual revenues. Here’s a table showing the cost of a $1 million general liability policy from the best eyelash technician insurance companies:

Cost per Month Cost per Year Best for
NEXT $14 $168 Best overall; Fastest general liability insurance for eyelash technicians
The Hartford $16 $192 Workers compensation insurance for eyelash technicians
CoverWallet $18 $216 Comparing eyelash technician insurance quotes online
Tivly $20 $240 Comparing eyelash technician insurance quotes over the phone
Thimble $23 $276 Freedom to set your policy options
Hiscox $26 $312 Customizable policies with help from insurance experts

Compare Cheap Eyelash Technician Insurance Quotes Online

Get all the best quotes from leading providers in a click of a button!

Best Eyelash Technician Insurance Companies

This next section will outline the best eyelash technician insurance companies. Please read through our reviews so you can make an informed choice for your eyelash technician insurance.


NEXT Eyelash Technician Insurance

Pros

  • Best overall

  • Issues an online proof of insurance instantly

  • Fastest general liability insurance for eyelash technicians

  • Great customer service and reputation

  • Excellent rates

  • Outstanding value for money

  • Get a 10% discount if you buy two or more policies 

Cons

  • Couldn’t find any

NEXT has many different coverages that provide beauty insurance for your eyelash technicians. Customers report that their claims process is quick and has many excellent options like general liability, workers comp, commercial auto, and tools and equipment insurance. Get your policy buying process done quickly with quotes delivered in 10 minutes.

Best for: Best overall; Fastest general liability insurance for eyelash technicians 

Average cost: $14 per month

Our rating:  10/10 


The Hartford Eyelash Technician Insurance

Pros

  • Longstanding insurer founded in 1810

  • An excellent mobile app that is helpful for first-time buyers

  • Offers multinational coverage for some policies

Cons 

  • Some customers report seeing fewer discounts offered than other insurers

The Hartford helps your eyelash technician and esthetician business with coverage against accidents, bodily injuries, and damage to your business property. The company is well established, writing policies for over 200 years in the insurance industry. The Hartford has an A- AM Best rating and an A+ from the Better Business Bureau.

Best for: Workers compensation insurance for eyelash technicians 

Average cost: $16 per month

Our rating: 10/10

 

CoverWallet Eyelash Technician Insurance

Pros 

  • Manage multiple policies at once from different partners

  • 10+ top partners to choose from

  • Compare quotes online

Cons

  • Not an insurance company but an insurance broker 

CoverWallet offers an online insurance buying experience where you get connected with multiple insurers. You can choose policies from top choices like Progressive, Hiscox, Travelers, and Markel. CoverWallet is a cloud-based insurance platform that can be your one-stop shop for eyelash technician insurance needs.

Best for: Comparing eyelash technician insurance quotes online 

Average cost: $18 per month

Our rating: 10/10 


Tivly Eyelash Technician Insurance

Pros 

  • Quick phone answer rate

  • Update your policy without hidden fees

  • Over 200 different insurers to select your eyelash technician policy from

  • Allows you to get quotes from multiple insurers easily.

Cons 

  • Doesn’t have a mobile app

Tivly boasts 200 different insurance partners to choose from. This company takes you to the insurance company that matches your needs and budget. Tivly has an A rating from the Better Business Bureau. Call now to compare quotes over the phone. 

Best for: Comparing eyelash technician insurance quotes over the phone

Average cost: $20 per month

Our rating: 10/10 


Thimble Eyelash Technician Insurance

Pros  

  • 75% of customers are first-time buyers

  • One of the best apps for insurance policies

  • First-time buyers have an easy time thanks to the insurance glossary

Cons

  • Customers report that sometimes customer service call wait times can be long

Thimble allows you to customize your beauty business insurance policy to your heart’s content. You can set your policy to the month, day, and hour. With Thimble, you can choose between general liability, business equipment, and commercial property insurance policies. The Better Business Bureau gave Thimble an A+ score.

Best for: Freedom to set your policy options

Average cost: $23 per month

Our rating: 10/10


Hiscox Eyelash Technician Insurance

Pros 

  • Platinum trusted service award from review site Feefo

  • Lets you refund policies you are unhappy with within 14 days

  • Tailored insurance that specializes in risks in your industry

Cons

  • Their business owner’s policy only covers 43 states

If you choose to shop with Hiscox, you will likely be impressed with their policies’ customization and attention to detail. You can create unique policies tailored to your eyelash technician and beauty business needs. Hiscox has an A rating from AM Best and operates in 14 countries. The Hiscox Group that owns Hiscox has over 3,000 employees.

Best for: Customizable policies with help from insurance experts

Average cost: $26 per month

Our rating:  10/10

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